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R.A.C. no longer providing breakdown cover?

10K views 10 replies 9 participants last post by  PILOTEFAN  
#1 ·
Hi Everyone,

Just heard from my brother who is insured with N.F.U. and they have told him that they who used the R.A.C. for recovery- no longer provide breakdown cover for motorhomes. i.e. the R.A.C. don't cover camper recovery anymore.

It was only that he checked the small print in his new policy that he discovered it.

Anyone else know of this? I have 'Comfort Ins' and they use R.A.C. commercial recovery, and there's no problem there, just spoke to them just in case. We are definitely covered U.K. and Europe with R.A.C. for recovery, any sized camper.

Anyone else out there with N.F.U.,?

Bryan
 
#5 ·
Hi,

My Geist Phantom was recovered, organised by the RAC on Wednesday. I'm insured by Comfort with the RAC Breakdown cover.

It was collected from my drive and because of concern about the rear overhang and the angle of the truck bed slope was eventually suspended towed some 9 miles to the Merc Dealer. the van is plated at 3.88tonne and is 7.4m long.

It took a few hours to sort but I was in no rush and had agreed it wasn't an emergency.

For those interested its has a Sprintshift gearbox and wouldn't select any gears. A faulty switch was diagnosed and the van returned the following morning -- and mended!

cheers alan
 
#6 ·
Hi Bryan,

Can you qualify what you meant in your post please? I think what you are saying is that NFU don’t offer recovery via the RAC anymore, if that is the case then this has been so for a couple or more years now, we are insured with NFU, best deal I could find for our RV (don’t want to start another RV insurance argument – each to their own), and the RAC is purchased separately from the RAC direct under the C&CC deal of no size/weight limits and the use of a flat bed recovery NOT a suspended tow.

If however you mean that the RAC are no longer recovering MH’s then they have just taken my money (just renewed) under false pretences and will be getting a phone call :evil: tomorrow morning as we are off for few days as well in the morning.
 
#7 ·
SteveRV said:
Hi Bryan,

Can you qualify what you meant in your post please? I think what you are saying is that NFU don't offer recovery via the RAC anymore, if that is the case then this has been so for a couple or more years now, we are insured with NFU, best deal I could find for our RV (don't want to start another RV insurance argument - each to their own), and the RAC is purchased separately from the RAC direct under the C&CC deal of no size/weight limits and the use of a flat bed recovery NOT a suspended tow.

If however you mean that the RAC are no longer recovering MH's then they have just taken my money (just renewed) under false pretences and will be getting a phone call :evil: tomorrow morning as we are off for few days as well in the morning.
Hi
Did you ring them I am curious because I just joined direct with RAC a couple of weeks ago and no one mentioned any restrictions now I am a bit worried.
 
#8 ·
PILOTEFAN said:
Hi
Did you ring them I am curious because I just joined direct with RAC a couple of weeks ago and no one mentioned any restrictions now I am a bit worried.
As I understand it, unless you insured via the CCC you will not have joined the arrival scheme so will be restricted on length and weight.

Some insurance company's also have access to the Arrival scheme. That's what my insurance company told me (Towergate Bakers) when I queried this.

Olley
 
#9 ·
I did ring them

Hi all,

Sorry for not responding straight away, yes I did ring and it was good new for me, so we were off there and then.

I was told the following…

When you join RAC directly you have to inform them that you are joining under the "Arrival Camping & Caravan Club" scheme, which is what I did when the NFU stopped offering the service and provided you meet the following criteria there are no length, width, height and weight restrictions and as our coach is a pusher it is a flat bed recovery not suspend tow (flat bed = full size HGV/Commercial recovery trailer not these 7.5 ton jobbies they pick cars up with).

1. You must join the Arrival Camping & Caravan Club scheme within the RAC - not just the RAC standard service
2. You must have current Camping & Caravan Club membership and be prepared to prove it if asked
3. You do not have to have Camping & Caravan Club insurance policy
4. The MH must have current road use/worthiness certificates etc - Road Tax, Insurance, MoT [if required] etc
5. The MH MUST be a custom build -i.e. built by a recognised manufacture whether still in business or not
6. The MH must not be a home built model based on any chassis, i.e. van conversion, bus or coach conversions etc (I don't know why - never thought to ask - sorry)

If you do not meet the above then there are many restrictions on length, width, height and weight, for example if a MH is built or a panel van conversion then 3500KG seems to be the weight limit, some classes have a width restriction of 2.35 meters and so the restrictions list goes on, the RAC direct agent was rattling them off to me, again as they did not directly affect me I can't recall them all today sorry.

The only restriction I seem to have based on the conversation with them is that my toad is not covered if drivable, so if it genuinely disabled there is an easy solution to that I guess, my better half and I have joint cover so we just remove the A Frame and she can claim she was driving that!

I believe that insures like comfort offer their cover very differently - I could be wrong here as it is many years since we were insured with them, but when we were, it was not a direct member of the RAC, Comfort was a commercial member and we paid them an additional reinsurance fee for the cover extension and in the event of a need to use the recovery (as we did one day) comfort pay all the bills for commercial RAC recovery (put out to third parties in those days) and claimed it back via their reinsures - anyone please correct me if I am wrong and its no longer like this.

I hope that clears some issues in this post and probably starts more…!
 
#10 ·
We are with the AA,well the wife is. when our van broke down, (refused to start had to have a new electronic box ÂŁ700), they recovered it to the main dealer 40 miles away no problem. ours is only 3500W and 7.3 M long.

cabby